Paranormal Investigation Insurance & Risks
Paranormal investigation events have become increasingly popular in recent years, attracting large numbers of attendees eager to explore the supernatural. However, as with any event, there are always risks involved. In particular for supernatural events, those risks can be particularly unique and challenging to manage. That’s why it’s essential for event organisers to have adequate paranormal investigation insurance in place.
In the UK, paranormal investigation event insurance is a specialised type of cover providing financial protection for the organisers. This type of event insurance can provide protection against a wide range of risks. These risks can include accidents, injuries, property damage, and liability claims.
Although we hope that it will not be the case, in this blog post, our team outlines the different types of risks insurance for paranormal investigations can protect event organisers against. Additionally, discover specific hazards associated with ghost hunting events that are often overlooked but could help save money on your overall policy.
Accidents and Injuries
Ghost hunts often involve exploring dark and unfamiliar spaces, which can create a variety of hazards for attendees. These risks can include tripping hazards, uneven surfaces and low lighting. If an attendee is injured at an event, they may seek compensation from the event organizer for their medical expenses, lost wages, and other damages.
Event public liability insurance for paranormal groups can provide cover for costs associated with injuries that can occur at such an event. Additionally, event insurance for ghost hunting can provide cover for legal fees and damages if an injured attendee decides to file a claim against the event organiser.
Property Damage
Paranormal events typically take place in old or abandoned buildings, which may be in a state of disrepair. With this in mind, there are many ways in which damages from a third-party can occur. Attendees may accidentally damage property while exploring such as knocking over objects, breaking windows, or causing damage the property.
By taking out paranormal investigation insurance, event organisers can rest assured they are protected against damage to 3rd party property that occurs during the event. Furthermore, event insurance can also include cover for legal fees and damages if the property owner decides to file a claim against the event organiser.
Liability Claims
In addition to accidents and property damage, events for ghost hunting can also be risky in terms of liability claims. Attendees may become frightened or experience emotional distress, leading to claims of negligence or emotional distress against the event organiser.
Liability insurance for ghost hunts can provide coverage for liability claims that can arise as a result of the event. This can include coverage for legal fees and damages if an attendee or other third-party files a claim against the event organiser, alleging negligence.
Specialist Paranormal Investigation Insurance
When taking out event insurance for a paranormal event, consider the specific risks associated with this type of event. Many insurers and comparison sites provide basic public liability insurance for accidents and injuries. However, not all policies may provide protection for those who arrange paranormal investigations and haunted events.
Unique cover for ghost hunting events
One critical aspect to consider when selecting event insurance is the types of activities that will take place. For example, if the event involves exploring an old, abandoned building, the insurance policy should provide adequate cover for accidental damage to the property. If the spooky event involves using specialised equipment, such as electromagnetic field (EMF) meters or thermal imaging cameras, the insurance policy should provide coverage for damage or loss of this equipment.
Another important consideration is the size of the event. Larger events with more attendees could require another level of risk management. This is due to the increased potential for accidents or injuries with the increased number of people to manage at the event. Additionally, event organisers should consider the venue of the event, as different venues may have different insurance requirements or regulations.
Paranormal Investigation Events Insurance Brokers
Working with experienced events insurance brokers like David J Miller Insurance Brokers can prove extremely beneficial when considering cover for paranormal events. Our expert brokers can help identify the specific risks associated with your haunted event. We also recommend coverage options that can provide comprehensive event protection at competitive rates.
Get in touch for a free paranormal investigation insurance quote, bespoke to your event.
